You’re building a strong business, and the right insurance helps protect it from the unexpected. We dug into the five best tree service insurance providers to uncover which ones truly support tree professionals like you.
Insurance Canopy leads the list for its balance of low cost, flexible tools, and solid protection. Each provider on this list offers something unique, and we’re here to help you find your best fit.
- Best overall: Insurance Canopy — based on comprehensive coverage and affordable pricing
- High-risk tree services needing excess and surplus lines (E&S) market access: Progressive Commercial
- Short-term tree service coverage: Thimble
- Hard-to-insure tree service businesses: Tivly
- Specialized, large-scale work: NIP Group (TreePro)
*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
5 Best Tree Service Insurance Providers
Let’s make this simple. Below is a quick comparison of the best tree service liability insurance providers to help you determine which fits your needs best.
| Provider | Starting Price Per Month* | Coverage Included | Same Day COI? | Buy 100% Online? | Base Coverage Limit |
|---|---|---|---|---|---|
| Insurance Canopy | $31 / month | General liability | ✅ | ✅ | $2,000,000 |
| Progressive Commercial | Varies by third-party insurer | General liability | ❌ | ❌ | $1,000,000 |
| Thimble | $151.94 / month | General liability | ✅ | ✅ | $1,000,000 |
| Tivly | Need to talk to an agent | General liability | ❌ | ❌ | $2,000,000 |
| NIP Group (TreePro) | Starts at $10,000 / year | General liability | ❌ | ❌ | $1,000,000 |
*Prices are as were publicly obtainable as of the time of writing, based on a Washington State-based tree service business with no employees.
**Price quote for general liability insurance for a Washington State-based business with an expected annual revenue of $60,000 and no employees; provider questions were answered to get the lowest starting cost for an apples-to-apples comparison.
Insurance Canopy: Best Tree Service Insurance Overall
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| Cost: Starts at $31 per month | |
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At Insurance Canopy, we specialize in providing fast, simple, and reliable coverage for ground-based tree service professionals.
Whether you’re a non-aerial arborist, vendor, or landscape contractor, our tailored policies offer real-world protection designed to meet your needs.
With instant COIs, flexible coverage options, and optional add-ons, Insurance Canopy is the trusted choice for professionals who need coverage they can count on – without the hassle.
Progressive Commercial: High-Risk Tree Service Coverage With E&S Access
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| Cost: Custom quote; varies by third-party insurer | |
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Progressive offers some policies directly (such as commercial auto), but for tree service insurance specifically, they often act as a broker, connecting you with a third-party insurer through their Progressive Advantage® Business Program.
This makes Progressive a strong option for higher-risk operations where coverage through standard insurers may be unavailable.
Thimble: Flexible, Short-Term Coverage for Part-Time Professionals
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| Cost: $151.94 per month | |
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Thimble offers coverage for small-scale or ground-level tree service operations that value flexibility over full-scale coverage. If you don’t need tree removal coverage and want the option to insure only when you’re working,
Thimble offers fast, no-fuss protection that grows with your schedule.
Tivly: Tree Service Insurance for Hard-To-Insure Businesses
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| Cost: Custom quote; you submit your info, and a Tivly agent will call you back to discuss pricing and coverage options | |
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Tivly is suited for tree service professionals who need coverage for high-risk or hard-to-insure operations, as they have access to 200+ insurance providers.
While you can’t get a quote instantly online, their team quickly follows up to match you with an agent who understands your needs.
NIP Group’s TreePro: Coverage for Specialized, Large-Scale Work
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| Cost: Minimum package premium starts at $10,000 annually. Pricing varies based on coverage and risk profile; contact NIP Group for a customized quote. | |
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TreePro serves established companies that need serious protection and expert support.
You’ll need to submit an application to get a quote – there’s no instant online pricing – but the coverage is tailored to fit the real risks tree professionals face every day.
Pro Tip: Comparing quotes is easier when you know what coverage matters most. Brush up on landscaping insurance with our quick landscaping insurance coverage guide for more information.
Tree Service Business Insurance Isn’t Just Paperwork… It’s Peace of Mind.
Having insurance means showing up confident, knowing you’re protected from financial setbacks that could otherwise cut down your business overnight.
While every provider in this list has something valuable to offer, Insurance Canopy offers the best balance of coverage, cost, and convenience for most tree service professionals.
Top Questions About the Best Tree Service Insurance Options
Do I need insurance to start a tree service business?
Yes. Most clients will require proof of liability insurance when you start your tree service business. Even if it’s not required by law, it protects your business from expensive claims and helps you win jobs.
What kind of insurance do I need to trim trees?
At a minimum, you’ll need general liability insurance. Depending on your work, you might also need coverage for your tools, trailer, commercial auto, or workers comp if you hire employees.
Tip: Curious about the details? Our tree service insurance guide explains each coverage type and how to pick what’s right for your business.
What does tree trimming liability insurance include?
General liability typically includes third-party property damage and bodily injury caused by your work. For example, if a falling branch hits a fence or someone gets hurt near your worksite, this coverage helps pay for those costs.
How much does tree service business insurance cost?
Coverage starts as low as $31 per month with Insurance Canopy. Prices vary based on the type of work, location, and business size.
